of statistics and the economic environment that we're in today? >> now, i wish i had an answer to that one. you know, i've said before that there is a highway into poverty today, and there's not even a sidewalk out. and there's very little, once you get there, and you are so there, that can be done to help you at this point in time. because there aren't the jobs, there aren't the resources, there aren't the credit limits that there used to be. so the real key here is, what can you do out there right now to prevent yourself from going into poverty? and i always say that there are three things. three things that if we could just learn to ask ourselves, before we spend a penny. number one, is it a need or a want? obviously, if it's a need, you have to buy it. if it's a want, can you just walk away? you have to get as much pleasure in saving as you do spending. this era of spending, spending, spending has got to go. and last but not least, we all have to get as much pleasu in saving as we do spending. so, you know, it's very interesting. >> suze, what if you're one of those people who's unemployed.